Kuva nemba yako yebiwa haisi kufamba mumhenderekedzo yegungwa. Kubvisa zita rako kunotora nguva yakawanda uye simba uye dzimwe nguva mari. Vanosangana nehupfumi hunowanzotambura kwemwedzi uye kunyange makore mushure mokunge yaitika. Zvinogona kuonekwa sewe iwe unoita nguva kunyange zvazvo iwe usati uri iwe wakaita mhosva yacho. Kuti udzivise unhu hwako kubva pakubiwa, kana kuti kudzivisa humwe huri hwekushambadzira mushure mekuzivikanwa kwako kwave kwambobiwa, unogona kufunga kufungira gwaro rako rekwereti.
Nzira Yokuchengetedzwa Kwekuchengeteka Inoshanda Sei
Dhipoti yako yekwereti inopa ruzivo pamusoro pemitemo yako yekubhadhara iyo vatengi uye vateresi vanoshandisa kuita zvikwereti zvekwereti pamusoro pako. Kana ukasimudza mvumo yako yechikwereti, vatengi uye vateresi havagoni kukwevera mushumo wenyu wechikwereti kana kuti chikwereti chekwereti -nhamba yenhamba yakapiwa kwauri credit report-kunze kwekuti wakapa vhidhiyo bureau password kuti uzarure ripoti rako rekwereti. Sezvo mabanki akawanda anoda chekuchechechedza chikwereti, chikumbiro chekwereti chingangodaro chakarambidzwa. Iwe unogona kusunungura mvumo yako yechikwereti pane zvose zvitatu zvikwereti zvekwereti , asi zvinofanira kuitwa mumwe nomumwe.
Kuvharidzirwa kwekuchengeteka hakusi kunyengera zvachose. Vanhu vane chikwereti uye vanokweretesa vauine kare kare vanogona kuwana ruzivo rwekwereti uye zvikwereti kunze kwekuti iwe usati wambozarura mutero wako wekwereti. Mamwe mapurisa ekuchengetedza mitemo uye mamwe masangano ehurumende anogona kuwana ruzivo rwekwereti uye zvikwereti pasinei nekuchengetedzwa kwehupfumi.
Izvo zvinosvibisa hazvibatsiri chikoro chako chekwereti kunyange zvingaita kuti zvive zvakaoma kuti iwe uone chikwereti chako chikoro kuburikidza newechitatu mawebsite.
Unofanira Kusiya Chikwereti Chako Chikwereti?
Funga kuisa kuchengeteka kuisa purogiramu yako yechikwereti kana chimwe chekutevera chinoshanda kwauri.
- Iwe wakanga uri chibharo chekuziva kubhakwa.
- Nhamba yako yekadhi yemakadhi yakabiwa
- Tsamba yako yekutumira yakaderedzwa kana kubiwa
- Iwe unoda kuzvizvidzivirira kubva kubasa rekuzivikanwa
- Iwe unyoresa kubasa rekuongorora chikwereti
Hurumende Mutemo uye Kudzivirirwa Kunosunungura
Vazhinji vane mitemo inoda zvikwereti zvekubhadhara mari, aka credit bureaus, kuti kubvumira kuchengeteka kusapera pamishumo yekwereti. Zvisinei, 9 inotaura (Alabama, Alaska, Georgia, Iowa, Michigan, Missouri, Ohio, uye Virginia) havana mitemo yakadaro. Nokuti izvi zvinotaura, zviro zvitatu zvinokweretwa mari, zvichibvumira vatengi kuisa mari yavo pamari.
Munzvimbo dzakawanda dzinotaura, iyo yakaoma inoramba ichishanda kusvikira iwe yabvisa iyo. Mune mamwe mashomanana, hupfumi huchapera pashure pemakore manomwe. Chengetai mawebsite e-credit bureau emitemo yekudzivirira kuchengeteka munharaunda yako.
Mitero inotangira kubva ku $ 5 kusvika ku $ 20 kuti iome, inokwidziridza kwenguva pfupi, isai bhenje, kana kuti ishandise PIN yako (nhamba yekuzivikanwa yako inoshandiswa kupisa kana kusunungura ripoti rako rechikwereti). Kana iwe wakambotambudzwa kubhakwa, hapana mari yekukanda mari yako yeruzhinji. Vamwe vanoti zvakare vanobhadhara mari yevakuru kune imwe nguva.
Nzira Yokusunungura Mari Yako Chikamu
Iwe unofanirwa kusunungura chikwata chako chekwereti pane imwe nhandare yekwereti pachako sezvo pasina nzira yekusunungura mitsara yose yematokari matatu panguva imwe chete.
Inokumbira kusunungura mushumo wako wekwereti inofanira kuitwa nekunyora uye inofanira kusanganisira zita rako, kero, zuva rekuberekwa, nhamba yezvokuchengetedzwa kwevanhu, kopi yemvumo yakakodzera, uchapupu hwekero (semuenzaniso webhadharo rekushandisa) nekubhadhara. Kubhadhara kunogona kuitwa kuburikidza ne cheki kana kadhi rechikwereti.
Zvinyorwa Zvakakosha Zvekuzivikanwa Kubatwa Vakatambudzwa
Munyika dzakawanda, haufaniri kubhadhara kuti uise (kana kuti unfreeze) chikwereti chako chekwereti kana iwe wakambove wakarohwa nenyaya yekuba . Kuzivikanwa kwevashandi vanofanirwa kunofanirwa kupa uchapupu hwehuvha, kureva kopi yemapurisa , mushumo wehupfumi, kana DMV. Chikwereti chechikwereti hachizodzokeri magwaro ako, saka tumira makopi kwete mavambo. Pakupedzisira, tumira chikumbiro chako kuburikidza netsamba yakagadziriswa neresi yekudzorera yakakumbirwa ku-credit bureau.
Mushure mokunge zvikwereti zvikwereti zvinogamuchira chikumbiro chako, chichapindura nechisimbiso chokuti gwaro rako rekwereti rave rakaoma.
Iwe uchagamuchirawo PIN kana password kuti ushandise pose paunenge uchingoda kusunungura kwenguva pfupi kana kubvisa zvachose kusununguka kubva kumushumo wekwereti yako.
Kusunungura Kwereti Yako Chikwereti paChina Credit Bureau
Enda kune imwe nzvimbo yekwereti yekwereti kuti uwane mamwe mashoko pamusoro pekuisa kuchengetedzwa kwehupfumi pamushumo wekwereti yako.
- Equifax: Shandura Eidifax yako Chikwereti Chikwereti, 1-800-685-1111 (NY vagari 1-800-349-9960)
- Experian: Shandurai Zvakaitika Kare Zvakaitika Kare, 1-888-397-3742
- TransUnion: Shandisa TransUnion Credit Report yako, 1-888-909-8872
Cherechedza kuti zvikwereti zvekwereti zvinogona kuwana mahofisi makuru ekufambisa uye webhutamburo mushure mekukuvadza kukuru kwemashoko uye zvimwe zvakapararira kuzvidzivirira. Iwe unogona kuona kwenguva yakareba foni uchimirira uye unotambudzika nekusvika kune chikwereti chekodhinesi chekuchengetedzwa kwepakombiyuta chekuchengetedza mafomu panguva idzi.
Iwe unogonawo kuisa chekuchengetedzwa kufambiswa nemeseji (shandisa mail yakagadziriswa). Iva nechokwadi chekutumira mashoko anotevera muchikumbiro chako:
- Zita rako rakazara , kusanganisira yako yepakati yekutanga chero ipi zvayo yemagariro (eg Jr, II, etc.)
- Zvose zero rekutevedza , uye adresi dzekare kwemakore maviri akapfuura
- D idya yekuberekwa , mwedzi, zuva, uye gore
- Social security number
- Uchapupu hwekuzivikanwa (semufananidzo wekhopi yako yekutyaira, passport, state ID, chiuto chehondo, kana chizvarwa chekuzvarwa)
- Kutarisa mashoko (semuzinda wekubhadhara mari, mutero wefoni, kubhadhara mari) Usatumira chikadhi chekwereti, mabhadharo emagazini, chekuvhara, kana kubvumirana)
- Mutero (chengetedza, mari yakarongeka, kana kuti kadhi rechikwereti chikuru)
Heino zvikwereti zvekodhikoni maawa atinofanira kushandisa kuti utumire kushandiswa kwako kwekuchengetedza kuchengetedza uye zvinyorwa.
Kuchengetedzwa kweE Equifax Kusunungura
PO Box 105788
Atlanta, Georgia 30348
Experian Security Freeze
PO Box 9554
Allen, TX 75013
TransUnion LLC
PO Box 2000
Chester, PA 19022-2000